Shanghai First mortgage case: 4 days Easy Master 2 times 1.83 million hands sold

Financial Weekly reporter Lenglo Lu Zi also things are much faster than expected. Financial Weekly Report on the Shanghai Bank Mortgage case (see the June 28 newspaper "Shanghai's first mortgage case: for loans for 5 years, 3 million real estate by the bank auction") after the newspaper, caused by the banking sector, the real estate sector and the legal profession's attention.　　However, with the reporter's further investigation interview, found that the case has been sold to the house half a month ago.　　The Shanghai bank also made a formal response to the weekly financial report this week. 4 days Easy Master 2 times, the property is sold to the end of the reporter through a lot of investigation found that to 1.28 million low-cost successful auction to obtain the property of the buyer name Jensenje.　　and learned that it has been in the Central Plains real estate Jingwei City Oasis Store (before Lee will be the housing key to the real estate intermediary, and commissioned to rent) to sell information. June 30 morning, the reporter to buy the identity of the House of the room around the 21st century real estate Kam Autumn Road shop, good business real estate, Han Yu real estate and other intermediary companies.　　Surprisingly, a number of intermediary company staff on the property disputes are very clear, all coincidentally to the reporter said, "Although this is a set of landscape rooms, room-type floors are very good, but such a tangle, difficult house, live in the heart will not be steadfast, you still consider other listings." Reporters came to Jensenje to sell the intermediary company Zhongyuan Real Estate City Oasis store, the intermediary staff told reporters: "Half a month ago the room has been completed by 1.9 million yuan transfer formalities."　　"The reporter is doubtful, hope that the employee will be able to the set of real estate deposit contract to the reporter to look over, but the other side to protect the privacy of the customer from declined. Subsequently, the reporter came to the exact address of the suite: 88 Lane 73rd, Latitude Road.　　By reserving a cat's eye mouth to see after found that the room was not inhabited, but vaguely found that there are decoration traces.　　That night, the reporter told the news to Li Muqing, Lee in the phone can't help but always sobbing. In order to verify the authenticity, Lee immediately called the real identity of the Central Plains real estate Jingwei City Oasis Shop to inquire about the property whereabouts. Lee received the reply is: This June 22, the real Estate trading center gave Yan issued the property card, this room officially by Li Muqing name transfer to Yan. Yan immediately in the Central Plains real estate Jingwei City Oasis store low-priced sell this room, the condition is the buyer must full cash payment; June 25, Yan will this House transfer to new buyers, this set of 1.28 million buy house finally to 1.83 million yuan deal.　　Among them, the buyer has paid 1.78 million, the remaining 50,000 yuan after the July 15 new house property card to pay. Immediately, Li Muqing begged the intermediary to host this suite transfer staff, hope to be able to fax the transfer of evidence to himself. The staff agreed, but said that "the file has been archived and locked into the filing cabinet, only the manager has the key to be faxed tomorrow." The next day (July 1), Lee repeatedly urged, not fruit. July 2 morning, Lee got the answer is "understand your mood, but the manager said, can not fax, but you can come to see." I hope you don't embarrass me, really.Fax. July 2, Lee commissioned the Shanghai-North law firm Shen Lawyer to the real estate trading center in Baoshan District, to inquire about the property, confirmed that the room 2 times within 4 days of the master.　　The lawyer asked to leave the evidence, but the person in charge said the property center stipulated that "during the publicity period from June 25 to July 15, no department" was refused.　　Shanghai Bank response: The court has been sentenced, the owner at least 6 issue of unpaid loans June 29, Shanghai Bank of the headquarters of the Public Relations department Wu and the financial weekly reporter made a telephone contact, "the matter has been finished, the court has been sentenced." In connection with this incident, the financial weekly reporter sent a formal interview outline to the Shanghai Bank Public Relations Department on June 30.　　Two days later in the Morning (July 2), the head of the Shanghai Bank's headquarters office related to the interview request of Financial weekly reporter telephone communication. "The issues mentioned in the interview outline, which you have already written in the June 28 report, are not necessary to answer." "And the Li Muqing House Auction Court is over, and there is the argument that we don't want to dwell on the details of the incident," the official said. As an institution, it is meaningless and unnecessary to quarrel with an individual. "Financial Weekly reporter cross-examine: auction Li Muqing real estate manager mi Morning whether have concealed the party contact way?" The responsible person did not respond positively, saying only that he was sympathetic to Li Muqing's encounter. "Her relationship with the property is not good for her friends," she said. We called her friends (Lee left a friend Mr. Zheng's phone to the bank) and her friends were disgusted. "Asked whether the Shanghai Bank lawsuit representative Mi Morning is the bank's mortgage manager, the person in charge said," He is the account manager, and did not handle the mortgage business, the person in charge of the Li Muqing Mortgage, he was transferred to take charge of the lawsuit. "As for the difference between the bank's account manager and the mortgage manager," she said, "the management of our banks is more complex, and it is not one or two words that can be made clear." "On the afternoon of July 2, the person in charge said that Li Muqing is not a normal repayment as she claims, and that she has at least 6 installments, and the bank cannot deduct the money." "We have bills for her every month, and there is no question of not knowing the repayment amount." The reporter asked the bill by what way to Li Muqing, she said this is the business unit in handling, she is not clear.　　"Before the deadline of this newspaper, the person who contacted the financial weekly report said:" Li Muqing mentioned 700,000 refund, because the court has decided, in accordance with the law must be refunded. Financial Weekly reporter also proposed, can provide a Shanghai bank against the mortgage default of the unified implementation method? The head of the bank's office responded by saying, "It has to be communicated with the leaders before they can respond." "The reporter further asked how long it would take to get into the litigation process," she said, "the bank has specific provisions, and we are more humane, will be in the proceedings after a period of time before closing the repayment account." Many banks do this because there areCustomers are only temporarily strapped for cash, perhaps they are trying to raise money, and there is room for manoeuvre if the repayment is to be raised.　　"The client responds to the bank's communication with the person in charge, financial weekly reporter immediately call the Shanghai Bank said" Li Muqing friend "Mr. Zheng, Mr. Zheng very gently told reporters," How can it, I and she have been friends for more than 10 years, is a bank called me several times, I immediately conveyed. " Li Muqing himself to reporters questioned, "Shanghai Bank since said all hit my friend that, why the court held me as the missing person, to announce it?" "On the issue of the overdue payments that the Bank of Shanghai has explained, Lee told reporters," First: I don't have to raise money, I don't need leeway, just give me the real situation, I can repay. Second: I have finished the money, they return! How can this be explained?　　"Professional lawyer View: Save the original list of each repayment the most important July 2 morning, financial weekly reporter with Li Muqing to provide evidence, came to a law firm in Shanghai, the firm to pick up real estate dispute cases.　　The lawyer in charge of the reception asked to see the verdict of second instance. Through Li Muqing and lawyer's cell phone calls, financial weekly reporter found Li Muqing mouth has been called "second instance", unexpectedly was defined as "the first trial of the retrial", that is, the case in the case of no Hilling has long been upheld the first instance. In the course of Li's consultation, the lawyer said that the account manager Mi morning was only an ad litem, while the real plaintiff was the Shanghai bank, and MI had no legal obligation to inform the defendant that he would not open the court. In this case, the Bank of Shanghai in the form has done well, coupled with the lack of evidence provided by retrial Lee, resulting in the appeal was dismissed.　　And now that the property has been auctioned off, the case has been legally concluded.　　The lawyer further mentioned that the case had missed the best opportunity to appeal and that there was strong evidence to win the lawsuit. If Lee is substantiated, then forcibly auction home income of 1.28 million yuan in the law is "unjust enrichment", Lee grounds for prosecution, apply for compensation for losses. As for the price difference compensation of 3 million yuan, it depends on the court's ruling. In view of the Li Muqing case, the lawyer cautioned that, whatever the loan, the list of repayment records should be kept, which is the most powerful evidence in law.　　The best place to live is where to buy a house, so that real-time information can be learned in time. July 2 night before the deadline, financial weekly reporter through 110 legal Information Network and Law search network found that Li Muqing case in Shanghai Bank of the branch is not a solitary example.　　As early as in 2004, the branch of the bank has been the borrower Shanghai Environmental Protection Market Co., Ltd., Shanghai Shen Kee Property Development Co., Ltd. to court, in 2005, the lender will be the court. Partial detail Playback: 1. Regarding the parties alleged to have been concealed the contact method the party Li Muqing to the Reporter: "oneself in repayment period, has never received the Shanghai Bank regarding own arrearsAny notice. Yu Yu Morning (Shanghai Bank ad litem) one side through the message to contact himself "did not buckle, please check again, whether remit the wrong paragraph", one side will bring the lawsuit to the court, and to the court to conceal my contact, resulting in the absence of the first trial judgement.　　"Lee didn't understand the MI behavior.　　2. About the repayment of SMS notice Lee from March 2008 on the opening of the Bank of China Merchants Bank remittance SMS notification function (also loans from Beijing merchants to transfer to Shanghai bank account), notify the object is MI, when Lee asked the Chinese merchants Bank SMS, MI in the mobile phone message reply, "I thought it was junk text message."　　3. About the refund after the rebate Lee told reporters that June 10, 2009 the house in Shanghai Huangpu auction completed the auction, the unwitting Li Muqing continued on June 20, Repayment day repayment, Shanghai Bank also accepted the money. In the year of November 17, Lee suddenly received the Shanghai bank arrears of 676213 Yuan message prompts, (previous period has been attached). On the second day of the incident, Lee to Shanghai bank account into 700,000 yuan of cash, the day deducted 23 money, a total of more than 70,000 yuan.　　However, these 70,000 dollars were returned in full after 10 days. "If I really have a debt, no matter how much I accept punishment, why do I have to take enforcement procedures, auction my property?" Since March 2008 promised to help me audit, until July 2009 or tell me in the audit, in the end my account is going on, until now I still do not know. Li sighed to the journalist.